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V. Venkatkishna
D 24, MIG Flats,
Thiruvengadam Street,
2nd Main Road, R K Nager
R A Puram
Mandaveli
Chennai – 600 028
Ph : 044-24615381
Mobile: 9994530304
Email: vvkishna@yahoo.co.in, venkatkishna@rediffmail.com

Seeking Senior Managerial Assignments in, Relationship Management (Credit )with a high growth oriented organisation

Professional Synopsis
Over 12 years’ experience in the areas of Credit Management, Treasury Management, Relationship Management, Liaison Work and MIS. Presently employed with Axis bank ( UTI bank )Limited , as Assistant Vice President(Credit Risk Assessment / Management) .Proficient in Credit Administration involving Credit Appraisals, Credit Risk Assessment, Verification of Documents and Sanction of Loans. Expertise in monitoring corporate retail, fulfilling statutory requirements in compliance with FEMA guidelines. Excellent interpersonal and communication skills with proven ability to solve various issues clearly and concisely.

Was part of a team when core banking solutions was introduced in the Bank (Flex cube)

Education
ü Chartered Accountant from ICAI in 1992.
ü Company Secretary (Intermediate) from ICSI in December 1994
ü Cost Accountant (Intermediate) from ICWA in November 1991
ü BSc (Chemistry) from St.Josephs' College, Bharathidasan University in 1988.

Organisational Experience

From June 2006 to till date with Axis Bank (UTI Bank) Limited:

Key Result Areas:
From June 2008 to till date:
v Credit risk Assessment of SME portfolio aggregating Rs.5000 crores covering entire southern India
v Involves vetting, vetoing all proposals sourced by different clusters and ensuring compatibility / compliance of lending norms
v Cluster study vis-a-vis the bank’s risk perception, Periodical industry analysis and presentation to the top management.
v Has undertaken exposure/risk analysis of two key segments, Textile and real estate including Porter analysis of the portfolio.
v Periodic analysis of agriculture portfolio and impact assessment .

From June 2006 to May 2008
Credit relationship / Credit Delivery:
v Sourcing of the prime SME / Mid Corporate clients. In charger of two major branches in TamilNadu with specific budgets (for both top line and fee income.)
v All the SME Mid corporate entities having a turnover of Rs.125 crores come under the purview. In case of breaching of turnover criteria, sign offing with the respective department also forms part of the job profile
v Analysis and appraisal of the credit limits, either under sole or multiple or consortium levels.
v Financial analysis / Risk Based supervision model
v Managing Data Verification and Field Investigation activities with a view to obtain accurate information to assess the creditworthiness of the clients
v Maintaining non interest income levels to the pre accepted targets, exclusively from this segment
v Ensuring that sanctions from the respective authorities are received within the stipulated TAT and also ensuring effective post sanction , pre disbursement compliances

Key Focus Areas
v Presently focussing on Medium and Small manufacturing activities under various segments. (Textile, Auto Ancillaries, Steel, Steel products, Apparel, Food Processing and IT enabled services)
v TAT between Sanction and disbursement less than seven working days
v Customer retention
v Credit related – financial advisory services
Some of the major Customer:
1. Annai Group – Erode (Combined exposure Rs.24.00 crores)
2. Maharaja Group – Erode (Exposure Rs.30.00 crores)
3. Tulip Group – Tirupur (Exposure Rs.20.00 crore)
4. Indsil
5. Sam brothers tex global
6. Karpagam group – Coimbatore
7. Tulip Fashions
The above are typical SME segments with considerable income generation and business potential

Significant Accomplishments;
v For the consecutive two year I have been achieving the quarter wise budgets (for the branches allotted to me) both top line and fee income.
v Have increased the client base by about 50% within a short span of one and half year.
v Had been instrumental in implementing the on line appraisal with an overall objective to reduce the TAT required for the proposal.
v The total budgetary responsibility will be to the tune of Rs.300 crores segregated into 100 client basis.

Sep1996 to June 2006 Karur Vysya Bank Ltd., MUMBAI

Key Result Areas;
ó Credit Management

ó In charge of Four Divisions of the Bank , aggregating Rs.2000 cr. The entire process of appraisal memorandum to the Board of directors, with the inputs from the Individual units. Including entire process of appraisal, Statutory compliances etc.,
ó Processing loan applications of corporate and non-corporate entities for assessing and meeting their fund & non-fund based credit requirements.
ó Managing Data Verification and Field Investigation activities with a view to obtain accurate information to assess the creditworthiness of the clients.
ó Handling the pre / post disbursement functions, reviewing and monitoring the data related to Loans; appraising proposals & scrutinising relevant documents / ensuring compliance with organisational credit policies.

Relationship Management
ó Building and maintaining healthy business relations with corporate clients and PSUs for meeting their working capital and non funded requirement.
ó Supervising customer centric banking operations & ensuring customer satisfaction by achieving delivery & service quality norms.

Liaison Work / MIS
ó Establishing relationship with All India Financial Institutions and leading Commercial Banks like SBI, ICICI Bank, ING Vysya, ABN Amro Bank etc.
ó Liaising with Asset Reconstruction Companies like ARCIL for management of assets.
ó Preparing and analysing MIS reports to provide feedback to top management on financial performance and business operations.

Significant Accomplishments;
ü Was earlier managing the entire Credit Portfolio (Corporate and Retail Finance Portfolio) of the branch contributing to INR 600 Crore.
ü List the major clients handled by you
ü 01. H & R Johnson (I) Limited
ü Supreme Industries & Supreme Petrochem
ü Gas Authority of India Limited
ü Indian oil Corporation
ü United Phosphorous Limited
ü Gharda Chemicals Limited
ü Alok Industries Limited
ü Other Mid Sector Corporate and retail segment
ü Codifying the system with respect to Charge creation (Both under Consortium and multiple banking arrangement)
ü From 2001 to 2004 both business and profits improved consistently by 25%
ü
Previous Assignments
Apr’94 – Jun’96 Tamil Nadu Industrial Investment Loan Administrative Officer
Corporation Ltd.
Sep’93 – Apr’94 ING Vysya Officer – Inspection Department

Other Distinctions
ü Selected and participated in the course conducted by the National Institute of Bank Management, Pune. Cash based assessment of both Working capital and Term loan assessment
- This is a new Lending model being recognised by almost all lending institutions.
ü Attended Workshop conducted by the FEDAI with respect to New Foreign Trade Policy.
ü Nominated for the program on Commodities Derivatives conducted by the NIBM – an emerging field of lending opportunities.
ü Enough exposure in implementing core banking solutions. Was a part of the team when in my earlier assignment, with Karur Vysya bank Limited, core banking solution was implemented, I have made valuable contributions towards the required inputs

Personal Details
Contact Address : As above
Date of Birth : 4th Oct’1967
Current CTC : Rs.15.00 lakhs + ESOPs + Performance bonus
Preferred place : Chennai

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